8-K Announcements
6Apr 23, 2026·SEC
Jan 29, 2026·SEC
Dec 18, 2025·SEC
Primis Financial Corp. (FRST) fundamental analysis — strengths, weaknesses & financial health based on data analysis
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
Primis Financial Corp. (FRST) stock price & volume — 10-year historical chart
Primis Financial Corp. (FRST) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Primis Financial Corp. (FRST) EPS & revenue vs analyst estimates — last 4 quarters
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 23, 2026 | $0.33vs $0.32+3.1% | $44Mvs $44M-0.2% |
| Q2 2026 | Mar 16, 2026 | $1.20 | $103M |
| Q1 2026 | Jan 29, 2026 | $0.10vs $0.34-70.6% | $78Mvs $30M+161.3% |
| Q4 2025 | Oct 23, 2025 | $0.28vs $0.32-12.5% | $41Mvs $30M+35.7% |
Primis Financial Corp. (FRST) competitors in Specialty finance and niche lenders — business model, growth, and fundamentals comparison
Primis Financial Corp. (FRST) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
Primis Financial Corp. (FRST) annual income statement — 10-year revenue, gross profit & net income history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 67.92M | 91.07M | 83.6M | 91.56M | 94.1M | 101.7M | 98.71M | 104.22M | 111.43M |
| NII Growth % | 68.47% | 34.08% | -8.2% | 9.52% | 2.78% | 8.07% | -2.94% | 5.58% | 6.91% |
| Net Interest Margin % | 2.6% | 3.37% | 3.07% | 2.96% | 2.76% | 2.85% | 2.56% | 2.82% | 2.75% |
| Interest Income | 83.57M | 118.91M | 120.52M | 117.69M | 113.14M | 123.29M | 192.62M | 210.97M | 200.44M |
| Interest Expense | 15.65M | 27.84M | 36.92M | 26.14M | 19.04M | 21.59M | 93.91M | 106.75M | 89.01M |
| Loan Loss Provision | 7.87M | 1.59M | -1.19M | 19.45M | -5.8M | 11.27M | 32.54M | 50.62M | 12.29M |
| Non-Interest Income | 5.02M | 8.48M | 9.86M | 13.7M | 10.56M | 18.35M | 45.25M | 43.14M | 112.16M |
| Non-Interest Income % | 5.66% | 6.66% | 7.56% | 10.43% | 8.54% | 12.96% | 19.02% | 16.98% | 35.88% |
| Total Revenue | 88.59M▲ 0% | 127.39M▲ 43.8% | 130.38M▲ 2.3% | 131.4M▲ 0.8% | 123.71M▼ 5.9% | 141.64M▲ 14.5% | 237.87M▲ 67.9% | 254.11M▲ 6.8% | 312.6M▲ 23.0% |
| Revenue Growth % | 74.87% | 43.8% | 2.35% | 0.78% | -5.85% | 14.49% | 67.94% | 6.83% | 23.02% |
| Non-Interest Expense | 49.49M | 54.65M | 56.59M | 67.09M | 70.9M | 91.45M | 122.6M | 125.64M | 138.74M |
| Efficiency Ratio | 55.87% | 42.9% | 43.4% | 51.06% | 57.31% | 64.56% | 51.54% | 49.44% | 44.38% |
| Operating Income | 15.57M▲ 0% | 43.3M▲ 178.1% | 38.05M▼ 12.1% | 18.72M▼ 50.8% | 39.57M▲ 111.4% | 17.33M▼ 56.2% | -11.18M▼ 164.5% | -28.9M▼ 158.5% | 72.55M▲ 351.0% |
| Operating Margin % | 17.58% | 33.99% | 29.19% | 14.24% | 31.98% | 12.24% | -4.7% | -11.37% | 23.21% |
| Operating Income Growth % | 1.07% | 178.1% | -12.13% | -50.82% | 111.4% | -56.19% | -164.5% | -158.55% | 351.03% |
| Pretax Income | 15.57M▲ 0% | 43.3M▲ 178.1% | 38.05M▼ 12.1% | 18.72M▼ 50.8% | 39.57M▲ 111.4% | 17.33M▼ 56.2% | -11.18M▼ 164.5% | -28.9M▼ 158.5% | 72.55M▲ 351.0% |
| Pretax Margin % | 17.58% | 33.99% | 29.19% | 14.24% | 31.98% | 12.24% | -4.7% | -11.37% | 23.21% |
| Income Tax | 13.15M | 9.61M | 5.89M | 4.14M | 8.68M | 3.19M | -1.07M | -4.24M | 14.71M |
| Effective Tax Rate % | 84.43% | 22.2% | 15.48% | 22.12% | 21.95% | 18.38% | 9.54% | 14.66% | 20.28% |
| Net Income | 2.42M▲ 0% | 33.69M▲ 1289.3% | 33.17M▼ 1.6% | 22.98M▼ 30.7% | 31.11M▲ 35.4% | 14.15M▼ 54.5% | -7.83M▼ 155.4% | -16.2M▼ 106.9% | 61.44M▲ 479.2% |
| Net Margin % | 2.74% | 26.45% | 25.44% | 17.49% | 25.15% | 9.99% | -3.29% | -6.38% | 19.66% |
| Net Income Growth % | -76.48% | 1289.32% | -1.56% | -30.72% | 35.4% | -54.53% | -155.36% | -106.91% | 479.16% |
| Net Income (Continuing) | 2.42M | 33.69M | 32.16M | 14.58M | 30.88M | 14.15M | -10.11M | -24.66M | 57.84M |
| EPS (Diluted) | 0.13▲ 0% | 1.39▲ 969.2% | 1.36▼ 2.2% | 0.96▼ 29.4% | 1.26▲ 31.3% | 0.57▼ 54.8% | -0.32▼ 156.1% | -0.66▼ 106.3% | 2.49▲ 477.3% |
| EPS Growth % | -84.34% | 969.23% | -2.16% | -29.41% | 31.25% | -54.76% | -156.14% | -106.25% | 477.27% |
| EPS (Basic) | 0.13 | 1.40 | 1.38 | 0.96 | 1.28 | 0.58 | -0.32 | -0.66 | 2.49 |
| Diluted Shares Outstanding | 18.68M | 24.27M | 24.32M | 24.36M | 24.6M | 24.67M | 24.69M | 24.69M | 24.68M |
Primis Financial Corp. (FRST) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 184.43M | 171.19M | 196.75M | 349.42M | 801.5M | 314.17M | 305.97M | 243.22M | 181.07M |
| Cash & Due from Banks | 23.75M | 27.82M | 31.93M | 196.19M | 530.17M | 77.86M | 77.55M | 64.5M | 143.61M |
| Short Term Investments | 160.67M | 143.38M | 164.82M | 153.23M | 271.33M | 236.31M | 228.42M | 178.72M | 171.38M |
| Total Investments | 2.32B | 2.41B | 2.42B | 2.61B | 2.61B | 3.19B | 3.48B | 3.34B | 3.74B |
| Investments Growth % | 127.9% | 3.83% | 0.49% | 7.96% | -0.31% | 22.51% | 9.08% | -4.2% | 12.03% |
| Long-Term Investments | 2.16B | 2.27B | 2.26B | 2.46B | 2.33B | 2.96B | 3.25B | 3.16B | 3.6B |
| Accounts Receivables | 0 | 0 | 8.21M | 20M | 11.88M | 0 | 0 | 0 | 0 |
| Goodwill & Intangibles | 110.8M | 110.56M | 109.14M | 107.78M | 106.42M | 118.33M | 106.12M | 102.19M | 93.5M |
| Goodwill | 100.75M | 101.95M | 101.95M | 101.95M | 101.95M | 104.61M | 93.46M | 93.46M | 93.46M |
| Intangible Assets | 10.05M | 8.61M | 7.19M | 5.83M | 4.46M | 13.72M | 12.66M | 8.73M | 36K |
| PP&E (Net) | 35.79M | 32.35M | 39.2M | 37.82M | 36.28M | 30.59M | 31.26M | 29.71M | 71.67M |
| Other Assets | 106.61M | 106.95M | 100.52M | 98.19M | 104.72M | 127.34M | 136.72M | 131.05M | 120.47M |
| Total Current Assets | 184.43M | 171.19M | 204.96M | 369.42M | 813.38M | 314.17M | 305.97M | 243.22M | 143.61M |
| Total Non-Current Assets | 2.43B | 2.53B | 2.52B | 2.72B | 2.59B | 3.25B | 3.55B | 3.45B | 3.9B |
| Total Assets | 2.61B▲ 0% | 2.7B▲ 3.3% | 2.72B▲ 0.8% | 3.09B▲ 13.5% | 3.41B▲ 10.3% | 3.57B▲ 4.7% | 3.86B▲ 8.1% | 3.69B▼ 4.3% | 4.05B▲ 9.7% |
| Asset Growth % | 128.83% | 3.33% | 0.77% | 13.46% | 10.32% | 4.68% | 8.13% | -4.32% | 9.68% |
| Return on Assets (ROA) | 0.13% | 1.27% | 1.22% | 0.79% | 0.96% | 0.41% | -0.21% | -0.43% | 1.59% |
| Accounts Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Debt | 407.75M | 238.73M | 199.68M | 239.63M | 211.49M | 432.52M | 160.72M | 128.56M | 262.17M |
| Net Debt | 383.99M | 210.92M | 167.75M | 43.45M | -318.68M | 354.67M | 83.17M | 64.05M | 118.56M |
| Long-Term Debt | 56.66M | 56.67M | 56.68M | 215.33M | 195.03M | 420.31M | 145.99M | 113.07M | 157.5M |
| Short-Term Debt | 351.08M | 182.06M | 134.52M | 16.07M | 9.96M | 6.45M | 3.04M | 3.92M | 43.33M |
| Other Liabilities | 18.58M | 16.67M | 20.54M | 25.88M | 20.77M | 22.7M | 28.08M | 25.54M | 1.2B |
| Total Current Liabilities | 2.22B | 2.28B | 2.26B | 2.45B | 2.77B | 2.73B | 3.27B | 3.17B | 2.2B |
| Total Non-Current Liabilities | 75.24M | 73.34M | 85.69M | 249.45M | 222.29M | 448.78M | 185.75M | 150.18M | 1.42B |
| Total Liabilities | 2.29B | 2.35B | 2.34B | 2.7B | 3B | 3.18B | 3.46B | 3.33B | 3.62B |
| Total Equity | 322.77M▲ 0% | 348.29M▲ 7.9% | 377.24M▲ 8.3% | 390.55M▲ 3.5% | 411.88M▲ 5.5% | 388.97M▼ 5.6% | 397.59M▲ 2.2% | 364.98M▼ 8.2% | 422.9M▲ 15.9% |
| Equity Growth % | 155.47% | 7.91% | 8.31% | 3.53% | 5.46% | -5.56% | 2.22% | -8.2% | 15.87% |
| Equity / Assets (Capital Ratio) | 12.35% | 12.89% | 13.86% | 12.64% | 12.09% | 10.91% | 10.31% | 9.89% | 10.45% |
| Return on Equity (ROE) | 1.08% | 10.04% | 9.14% | 5.99% | 7.75% | 3.53% | -1.99% | -4.25% | 15.6% |
| Book Value per Share | 17.27 | 14.35 | 15.51 | 16.03 | 16.74 | 15.77 | 16.11 | 14.78 | 17.13 |
| Tangible BV per Share | 11.34 | 9.79 | 11.02 | 11.61 | 12.42 | 10.97 | 11.81 | 10.64 | 13.35 |
| Common Stock | 239K | 240K | 241K | 243K | 245K | 246K | 247K | 247K | 247K |
| Additional Paid-in Capital | 304.93M | 305.65M | 306.75M | 308.87M | 311.13M | 312.72M | 313.55M | 314.69M | 316.51M |
| Retained Earnings | 18.75M | 44.98M | 69.46M | 77.96M | 97.56M | 101.85M | 84.14M | 58.05M | 109.62M |
| Accumulated OCI | -1.15M | -2.59M | 783K | 3.48M | 1.11M | -25.85M | -21.78M | -21.23M | -2.67M |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -807K |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Primis Financial Corp. (FRST) cash flow — operating, investing & free cash flow history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 24.59M | 41.44M | 36.76M | 26.2M | 27.32M | 12.43M | 28.82M | 19.53M | 10.77M |
| Operating CF Growth % | 36.42% | 68.54% | -11.28% | -28.74% | 4.27% | -54.48% | 131.77% | -32.23% | -44.87% |
| Net Income | 2.42M | 33.69M | 32.16M | 14.58M | 31.02M | 14.15M | -10.11M | -24.66M | 61.44M |
| Depreciation & Amortization | 4.63M | 7.4M | 8.18M | 8.19M | 8.04M | 7.43M | 9.09M | 8.93M | 0 |
| Deferred Taxes | 9.69M | 3.12M | 1.48M | -1.41M | 6.05M | -3.3M | -3.7M | -4.27M | 0 |
| Other Non-Cash Items | 5.22M | -359K | -4.84M | 12.53M | -10.48M | -16.82M | 33.4M | 42.7M | -60.56M |
| Working Capital Changes | 2.38M | -2.7M | -645K | -9.24M | -8.06M | 10.58M | -577K | -4.1M | 9.89M |
| Cash from Investing | -62.01M | -93.7M | -5.02M | -200.81M | 10.53M | -616.86M | -312.76M | 108.3M | -158.22M |
| Purchase of Investments | -13.2M | 0 | -60.4M | -54.13M | -160.53M | -39.44M | -15.88M | -43.07M | 0 |
| Sale/Maturity of Investments | 23.84M | 20.32M | 61.29M | 98.38M | 57.54M | 50.47M | 29.4M | 38.15M | 0 |
| Net Investment Activity | 10.64M | 20.32M | 894K | 44.24M | -102.99M | 11.03M | 13.52M | -4.91M | 0 |
| Acquisitions | 24.02M | 0 | 0 | 0 | 0 | -4.55M | 0 | 0 | 0 |
| Other Investing | -95.24M | -112.04M | -4.81M | -243.97M | 115.97M | -622.32M | -324.35M | 114.4M | -158.22M |
| Cash from Financing | 15.49M | 55.4M | -28.43M | 338.87M | 296.21M | 152.1M | 283.63M | -140.88M | 226.55M |
| Dividends Paid | -5.8M | -7.69M | -8.69M | -9.74M | -9.81M | -9.85M | -9.88M | -9.89M | -9.87M |
| Share Repurchases | 0 | 0 | 0 | -135K | -14K | -11K | -31K | -4K | -807K |
| Stock Issued | 0 | 0 | 0 | 709K | 0 | 0 | 0 | 0 | 15K |
| Net Stock Activity | 0 | 0 | 0 | 574K | -14K | -11K | -31K | -4K | -792K |
| Debt Issuance (Net) | 1000K | -1000K | -1000K | 1000K | -1000K | 1000K | -1000K | -1000K | 1000K |
| Other Financing | -195.8M | 232.11M | 27.8M | 307.89M | 332.14M | -43.78M | 568.14M | -97.78M | 215M |
| Net Change in Cash | -21.93M▲ 0% | 3.15M▲ 114.4% | 3.32M▲ 5.4% | 164.26M▲ 4852.0% | 333.98M▲ 103.3% | -452.31M▼ 235.4% | -306K▲ 99.9% | -13.05M▼ 4164.1% | 79.1M▲ 706.2% |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 47.39M | 25.46M | 28.61M | 31.93M | 196.19M | 530.17M | 77.86M | 77.55M | 64.5M |
| Cash at End | 25.46M | 28.61M | 31.93M | 196.19M | 530.17M | 77.86M | 77.55M | 64.5M | 143.61M |
| Interest Paid | 14.57M | 26.13M | 36M | 27.99M | 20.23M | 20.19M | 91.82M | 107.2M | 0 |
| Income Taxes Paid | 3.67M | 6.67M | 4.9M | 7.69M | 6.15M | 3.05M | 5.75M | 2.34M | 0 |
| Free Cash Flow | 23.16M▲ 0% | 39.47M▲ 70.4% | 35.66M▼ 9.6% | 25.11M▼ 29.6% | 24.86M▼ 1.0% | 11.42M▼ 54.1% | 26.89M▲ 135.5% | 18.34M▼ 31.8% | 9.03M▼ 50.7% |
| FCF Growth % | 29.54% | 70.4% | -9.64% | -29.58% | -1.02% | -54.05% | 135.46% | -31.82% | -50.74% |
Primis Financial Corp. (FRST) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 8.38% | 1.08% | 10.04% | 9.14% | 5.99% | 7.75% | 3.53% | -1.99% | -4.25% | 15.6% |
| Return on Assets (ROA) | 0.95% | 0.13% | 1.27% | 1.22% | 0.79% | 0.96% | 0.41% | -0.21% | -0.43% | 1.59% |
| Net Interest Margin | 3.53% | 2.6% | 3.37% | 3.07% | 2.96% | 2.76% | 2.85% | 2.56% | 2.82% | 2.75% |
| Efficiency Ratio | 42.85% | 55.87% | 42.9% | 43.4% | 51.06% | 57.31% | 64.56% | 51.54% | 49.44% | 44.38% |
| Equity / Assets | 11.06% | 12.35% | 12.89% | 13.86% | 12.64% | 12.09% | 10.91% | 10.31% | 9.89% | 10.45% |
| Book Value / Share | 10.17 | 17.27 | 14.35 | 15.51 | 16.03 | 16.74 | 15.77 | 16.11 | 14.78 | 17.13 |
| NII Growth | 10.08% | 68.47% | 34.08% | -8.2% | 9.52% | 2.78% | 8.07% | -2.94% | 5.58% | 6.91% |
| Dividend Payout | 38.02% | 239.09% | 22.82% | 26.2% | 42.37% | 31.52% | 69.64% | - | - | 16.07% |
Primis Financial Corp. (FRST) SEC filings — annual & quarterly reports (10-K, 10-Q)
Apr 23, 2026·SEC
Jan 29, 2026·SEC
Dec 18, 2025·SEC
Primis Financial Corp. (FRST) stock FAQ — growth, dividends, profitability & financials explained
Primis Financial Corp. (FRST) grew revenue by 23.0% over the past year. This is strong growth.
Yes, Primis Financial Corp. (FRST) is profitable, generating $61.4M in net income for fiscal year 2025 (19.7% net margin).
Yes, Primis Financial Corp. (FRST) pays a dividend with a yield of 2.72%. This makes it attractive for income-focused investors.
Primis Financial Corp. (FRST) has a return on equity (ROE) of 15.6%. This is reasonable for most industries.
Primis Financial Corp. (FRST) has a net interest margin (NIM) of 2.8%. NIM has been under pressure due to interest rate environment.
Primis Financial Corp. (FRST) has an efficiency ratio of 44.4%. This is excellent, indicating strong cost control.
Primis Financial Corp. (FRST) financial analysis — history, returns, DCA and operating performance tools
Historical returns with dividends reinvested
Dollar cost averaging vs lump sum
Yield, growth, payout safety & DRIP
EPS trends, net income & profitability
Long-term charts & historical price data
Sales growth patterns & revenue breakdown
30 years of market, efficiency and balance-sheet ratios
DCF intrinsic value, peer multiples & estimates